| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LAYNE INSURANCE SERVICES LLC3 Filed as: LAYNE INS SERVICES, LLC | 8275 S EASTERN AVE STE 200 LAS VEGAS, NV 89123 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $0 | $10K | 10.50% |
| LAYNE INSURANCE SERVICES LLC3 Filed as: LAYNE INSURANCE SERVICES, LLC | 8275 S EASTERN AVE STE 200 LAS VEGAS, NV 89123 | PROMINENCE HEALTH PLAN | $53K | — | $53K | 100.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: DANIEL S SARAZIN | 11017 SUMMER QUAIL AVE LAS VEGAS, NV 89144 | AFLAC | $7K | $152 | $7K | 15.04% |
| CHAD G LAYNE3 | 8275 S EASTERN AVE STE 200 LAS VEGAS, NV 89123 | AFLAC | $3K | — | $3K | 6.29% |
| MOLOKAI MYLES HAND3 | 1409 S LAMAR ST APT 716 DALLAS, TX 75215 | AFLAC | $2K | — | $2K | 3.96% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: DANIEL A JAIME | 5603 FAIRMEADE WAY LAS VEGAS, NV 89135 | AFLAC | $1K | — | $1K | 2.83% |
| DWAYNE R MARTINEZ3 | 3095 E PATRICK LN STE 1 LAS VEGAS, NV 89120 | AFLAC | $393 | $30 | $423 | 0.95% |
| SIMON B REYES3 | 4625 S POLARIS AVE, STE 212 LAS VEGAS, NV 89103 | AFLAC | $233 | — | $233 | 0.52% |
| LESTER RAY BLACKSHEAR3 | 8545 SW 86TH TER OCALA, FL 94481 | AFLAC | $216 | — | $216 | 0.48% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GEORGE PETRONELLA | 3095 E PATRICK LN STE 1 LAS VEGAS, NV 89120 | AFLAC | $143 | $30 | $173 | 0.39% |
| BRANDON M JONES3 | 6863 TREBLE CLEF AVE LAS VEGAS, NV 89139 | AFLAC | $93 | — | $93 | 0.21% |
| JOHN J MACIAS JR3 | 950 N UNIVERSITY PARK LOOP RENO, NV 89512 | AFLAC | $18 | — | $18 | 0.04% |
| JENNIFER E MACIAS3 | 950 N UNIVERSITY PARK LOOP RENO, NV 89512 | AFLAC | $11 | — | $11 | 0.02% |
| TAMMY SWAIN3 | 10736 KNICKERBOCKER AVE LAS VEGAS, NV 89166 | AFLAC | $11 | — | $11 | 0.02% |
| TRACI HUTCHINSON3 | 2155 PAGANINI AVE HENDERSON, NV 89052 | AFLAC | $10 | — | $10 | 0.02% |
| COLLEEN LAPRADE3 | 6005 HIDDEN VALLEY RD STE 150 CARLSBAD, CA 92011 | AFLAC | $8 | — | $8 | 0.02% |
| EL TORRO INC3 | 2549 PALM DALE DR SW WYOMING, MI 49418 | AFLAC | $7 | — | $7 | 0.02% |
| LES HEINSEN INS SERVICES INC3 | 4416 VIA PALAGIO FAIR OAK, CA 95628 | AFLAC | $6 | — | $6 | 0.01% |
| TRAVIS MOORE3 | 13445 STONEY BROOK DR RENO, NV 89511 | AFLAC | $3 | — | $3 | 0.01% |
| TAMARA ANNE HINES3 Filed as: TAMARA ANNE WATSON | 8200 OFFENHAUSER DRIVE, APT #126F RENO, NV 89511 | AFLAC | $3 | — | $3 | 0.01% |
| AMY E COHEN3 Filed as: AMY MARIE LUDWICK | 7403 SESAME ST STE 17 COLUMBUS, GA 31909 | AFLAC | $1 | — | $1 | 0.00% |
| MICHAEL C WALKER3 Filed as: MICHAEL JAMES RHODD | 2818 ROCKVILLE RD FAIRFIELD, CA 94534 | AFLAC | $1 | — | $1 | 0.00% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 120 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 122 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | PROMINENCE HEALTH PLAN | 165 | $97K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 260 | $99K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 260 | $99K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 260 | $99K |
| Short-term disability | AFLAC | 80 | $45K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 260 | $144K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 260 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.